Hello, I have an IRA that I rolled over from a 401K from my previous employer. I'm looking to take out an early distribution to pay off some credit card debt before I get hit with high interest (currently a 0% intro rate). Looking for advice on if this is a good idea or not? From what I've researched I will get hit with tax penalties of at least 10% for early withdraw (38 yrs old). IRA $18k, CC debt is a $13k.